Zofunikira za inshuwaransi polembetsa galimoto ku New Hampshire
New Hampshire ndi amodzi mwa mayiko ochepa omwe alibe malamulo ovomerezeka a inshuwaransi. Madalaivala amatha kulembetsa mwalamulo ndikuyendetsa magalimoto popanda inshuwaransi, malinga ngati sagwera pamikhalidwe ina.
Komabe, lamulo la New Hampshire limanena kuti dalaivala aliyense yemwe wachita ngozi yochititsa kuti avulale kapena kuwononga katundu ayenera kulipira ndalamazi. Njira yabwino yoti madalaivala ambiri ku New Hampshire akwaniritse izi ndikukhala ndi inshuwaransi. Ngati ndinu wolakwa pa ngozi ndipo mulibe inshuwalansi, laisensi yanu yoyendetsa galimoto idzayimitsidwa mpaka mutasonyeza kuti mungakwanitse kulipira mtengo wa kuwonongeka ndi kuvulala chifukwa cha ngoziyo.
Ngakhale New Hampshire safuna kuti madalaivala azipereka ndalama zochepa, imayika zofunikira zochepa pamapulani a inshuwaransi omwe amaperekedwa ndi makampani a inshuwaransi. Kampani iliyonse ya inshuwaransi iyenera kupereka zochepera izi za inshuwaransi yolipirira ngongole:
Ochepera $25,000 pa munthu aliyense chifukwa chovulala kapena kufa. Izi zikutanthauza kuti mudzakhala ndi ndalama zosachepera $50,000 kuti mupeze chiwerengero chochepa cha anthu omwe achita ngozi (madalaivala awiri).
Ochepera $25,000 pazavuto zowononga katundu
Inshuwaransi yazaumoyo yosachepera $1,000 kuti mulipirire zolipirira zanu zachipatala.
Inshuwaransi ya oyendetsa galimoto yopanda inshuwaransi yomwe imakwaniritsa chiwongola dzanja chochepa pakuvulala kwathupi komanso kuwonongeka kwa katundu ($75,000)
Izi zikutanthauza kuti ndalama zochepa zomwe kampani ya inshuwaransi ingapereke ndi $151,000 pakuvulala kwamunthu, kuwonongeka kwa katundu, inshuwaransi yachipatala, komanso inshuwaransi yoyendetsa galimoto yopanda inshuwaransi.
Zofunikira za SR-22
Madalaivala ena ku New Hampshire angafunike mwalamulo kuti apereke SR-22, yomwe ndi umboni wazovuta zachuma kapena inshuwaransi yamagalimoto. Chikalatachi chikutsimikizira kuti dalaivala ali ndi inshuwaransi yamilandu kwa zaka zosachepera zitatu. Madalaivala adzafunika chikalatachi pamilandu iyi:
Madalaivala akuimbidwa mlandu woyendetsa ataledzera
Madalaivala adapezeka kuti ndi ophwanya malamulo apamsewu
Madalaivala omwe amalandila ma demerit points ochuluka pa layisensi yawo yoyendetsa
Madalaivala omwe analibe inshuwaransi adapezeka olakwa pa ngozi
Madalaivala adapezeka olakwa pochoka pamalo pomwe pachitika ngozi
New Hampshire Auto Insurance Plan
Ngati mukufuna kulipidwa kapena mukuyenera kutero chifukwa chofuna kutumiza fomu ya SR-22, muyenera kulembetsa inshuwaransi kudzera kwa inshuwaransi yovomerezeka. Ngati mukuwoneka kuti ndinu woyendetsa pachiwopsezo chachikulu, makampani a inshuwaransi ali ndi ufulu wokana chithandizo.
Pazifukwa izi, State of New Hampshire imathandizira New Hampshire Motor Insurance Program, yomwe imalola makampani a inshuwaransi kugawana zoopsa zomwe zimakhudzana ndi inshuwaransi yoyendetsa omwe ali pachiwopsezo chachikulu ndi othandizira ena. Dalaivala aliyense atha kulembetsa dongosololi kudzera mu New Hampshire Automobile Insurance Plan ndi kampani ya inshuwaransi yomwe ikuchita nawo.
Kuti mudziwe zambiri, funsani a New Hampshire Department of Safety Motor Vehicle Division kudzera pa webusayiti yawo.
